Atlas Insurance
Atlas Insurance is a motor casco insurance for the MT market with no online purchase and 24/7 assistance.
Direct payment
Atlas does not operate a direct repair payment scheme; the insurer settles claims with repairers approved by the Malta Competition and Consumer Affairs Authority. For total loss, payment is made to any finance/hire-purchase company first, with any balance paid to the policyholder. The insurer may choose to repair, replace, or pay the market value or scheduled estimate (whichever is lower).
Geographic scope
MT
Primary coverage in Malta (Geographical Area). Automatic extension to all EEA Designated States (Andorra, San Marino, Switzerland, UK, Vatican City and EEA excluding Malta) for private cars up to 30 days per policy year at no extra charge. Extension beyond 30 days or to Third Countries available upon request and additional premium.
Unique selling points
- Free 24/7 RoadAssist emergency breakdown service included with every comprehensive private car policy – no add-on charge required.
- Automatic 30-day full policy coverage across the entire EEA, UK, Switzerland, Andorra and San Marino at no extra cost for private car comprehensive policyholders.
- Excess refunded and No Claims Discount fully protected when the at-fault third party is uninsured – a unique consumer safeguard in the Maltese market.
- Electric vehicle Drive Battery short-circuit damage covered up to €20,000 (or market value, whichever is lower) plus up to €1,000 for battery scrapping and decontamination – included in both comprehensive and TPFT policies.
- No Claims Discount automatically protected at 65% from the 6th year onward at no extra charge; optional NCD protection purchasable from the 4th NCD year.
Coverage limits
Accidental Damage to Your Motor Vehicle (Section A)
Covered
Covers accidental loss or damage to the motor vehicle and its accessories (while in/on the vehicle or in a locked private garage for private cars). Settlement is the lower of the policyholder's scheduled estimate of value or market value at time of loss, less the applicable excess. Constructive total loss threshold applies where repair cost equals or exceeds the lower of scheduled/market value. A Replacement Gap Benefit pays up to 110% of purchase price for vehicles within 12 months of first registration where repair cost exceeds 60% of purchase price. The most payable for other claims is the lesser of market value and scheduled estimate, less the excess.
SourceTotal Loss Settlement
Covered
If the motor vehicle is declared a Total Loss (beyond repair) or Constructive Total Loss (repair cost equals or exceeds the lower of scheduled or market value), Atlas pays the lower of the policyholder's scheduled estimate of Motor Vehicle Value including Accessories or the Market Value at time of loss, less the excess. Salvage becomes Atlas's property. For brand-new private cars within 12 months of first registration (first and only keeper), Atlas will replace the vehicle with a new one of the same make/model if repair cost exceeds 60% of Purchase Price, up to 110% of Purchase Price. Road licence refund for unexpired portion also paid for private cars declared Total Loss if Transport Malta refund is unobtainable.
SourcePartial Loss / Repair (Section A)
Covered
Where the motor vehicle sustains repairable accidental damage, Atlas pays the estimated cost of repairs (including parts) as determined by a qualified motor surveyor appointed by Atlas. Atlas may use Alternative Parts where appropriate, including for vehicles 7 years or older. Where repairs or parts are unavailable in Malta, Atlas pays based on the manufacturer's approved repair methods at current average Malta rates plus manufacturer's latest parts price guide including reasonable transport costs.
SourceFire, Theft and Attempted Theft (Section B)
Covered
Covers loss or damage to the motor vehicle, its accessories (while in/on the vehicle or in a locked private garage for private cars) as a result of theft, attempted theft, fire, lightning or explosion. If stolen and not recovered or declared Constructive Total Loss or Total Loss, Atlas pays the lower of the scheduled estimate of Motor Vehicle Value including Accessories or the Market Value, less the excess. Vehicle must be properly locked and keys not left in the unattended vehicle for theft claims to be valid.
SourceWindscreen and Window Damage (Section D)
Covered
Covers repair or replacement of broken glass in the private car's windscreen or windows, scratching to the bodywork caused by broken glass, and ADAS recalibration following windscreen repair/replacement. Maximum payable is €1,000 per claim. Sunroofs, removable or folding convertible roof glass, and non-glass windscreens/windows are excluded. Alternative parts of similar standard may be used. No effect on No Claims Discount for windscreen/window claims under Comprehensive cover.
SourceNatural Perils / Flood and Convulsion of Nature (Sections A & B via AMP008)
Covered
Comprehensive private car policies include flood and convulsion of nature damage as standard (General Exception 22 – Convulsion of Nature – is deleted for private cars under the standard comprehensive policy per the IPID). Damage by fire, lightning and explosion is covered under Section B for all motor vehicles. Riot outside Malta is excluded for private cars (General Exception 8). Damage caused by lightning, storm and flood is confirmed as included under comprehensive cover per official IPID and EV insurance pages. Note: General Exception 22 applies to Private Motor Cycles only; for private cars, convulsion of nature is included by default under comprehensive cover.
SourceVandalism / Malicious Damage (Section A with Garaging Warranty)
Conditional
Accidental damage under Section A covers malicious damage/vandalism as part of 'accidental loss or damage', subject to the vehicle not being in a situation excluded by policy conditions. Endorsement AMP006 (Garaging Warranty) specifically excludes vandalism to the vehicle when left unattended overnight unless kept in a locked private/public garage, supervised vehicle park, or locked compound. Therefore vandalism coverage is conditional on overnight garaging conditions where AMP006 applies.
SourceRoadAssist – 24-Hour Emergency Roadside Assistance in Malta (Section K1)
Covered
Comprehensive private car and motorcycle policies include free membership for Atlas RoadAssist (provided by RMF), a 24-hour emergency roadside assistance service in Malta. Policyholders call 21 222 111 to report any problem. Coverage includes breakdown and recovery. RoadAssist outside Malta (Section K2) is available at additional charge on request. For commercial vehicles, RoadAssist is optional at a discounted rate. European emergency roadside assistance for private motorcycles in Designated States is covered under Section F6 (up to €350 for roadside assistance, up to €125 for additional accommodation per period of insurance).
SourceFree Courtesy Car / Replacement Motor Vehicle (Section I1)
Conditional
Free courtesy car (up to €100 per claim) is included for private car comprehensive policyholders who have attained 5 or 6 years' No Claims Discount, when the private car is damaged and repairable under Section A or B. Also paid while awaiting unavailable parts if the car cannot be driven. Optional enhanced levels: €250 (Level 2), €350 (Level 3), €475 (Level 4) by paying an additional premium (Section I2). Free Increased Courtesy Car Limit of €250 applies when the private car is stolen/unrecovered or written off following fire (Section I3, under Section B). Atlas's prior written approval is required before hiring any replacement vehicle.
SourcePersonal Accident Benefit (Section E)
Covered
Covers the policyholder and any other adult in the private car who is accidentally injured while travelling in, getting into, or out of the private car, resulting within 3 calendar months in death, permanent and total loss of sight in one or both eyes, or loss of any limb. Also covers the policyholder and their Partner if injured in any other private car not belonging to or hired to the policyholder. Maximum benefit per person per policy period: €5,000. Maximum aggregate per policy period if multiple persons injured/killed or multiple accidents: €10,000. Claimants must be aged 18–75 (inclusive). No benefit if driving under the influence of alcohol or drugs.
SourceKey conditions
driver_age_experience_limit
No excess applies for third party liability claims for private cars driven by drivers aged 25 or over. A standard excess of €50 applies to own damage, fire and theft claims for drivers aged 25 and over. Drivers under 25 face higher excesses ranging from €75 to €500. Personal Accident benefit excludes anyone below age 18 or aged 76 or older at the time of injury/death. No Claims Discount entitlement and step-back rules are also age-relevant.
repair_network_requirements
Repairers must be included on the approved list by the Malta Competition and Consumer Affairs Authority. The policyholder is free to choose any approved repairer. Atlas appoints a qualified motor surveyor to determine repair costs. For vehicles 7 years or older, Atlas may use Alternative Parts (recycled or non-original). Atlas cannot authorise repairs in excess of €125 without its prior written agreement. ADAS within the windscreen must be recalibrated by a qualified technician following windscreen repair or replacement.
territorial_scope
Primary coverage area is Malta (Republic of Malta including any recognised sea passage within the republic). Comprehensive private car cover is automatically extended to all Designated States (EEA member states excluding Malta, plus Andorra, San Marino, Switzerland, UK, Vatican City) for up to 30 days per policy year at no extra charge, provided the main permanent residence is in Malta. Endorsement AMP001 allows extension beyond 30 days. Third party liability (Section C) also applies automatically in all Designated States and in Third Countries during a direct journey between Malta and a Designated State where there is no Foreign Bureau.
anti_theft_requirements
Theft and attempted theft claims are excluded if: the motor vehicle was not properly locked; any window, roof opening, removable roof panel or hood was left open or unlocked; keys (or keyless entry system) were left unsecured, unattended, or left in or on the unattended motor vehicle; the vehicle was taken by a family/household member, employee or ex-employee, or the vehicle owner (unless convicted of theft). Where Endorsement AMP006 (Garaging Warranty) applies, cover for theft, fire and vandalism overnight is conditional on the vehicle being kept in a locked private/public garage, supervised vehicle park, or compound secured by locked gates.
claim_notification_deadline
The insurer must be advised in writing of any accident within 14 days of it occurring, or Atlas may refuse to pay the claim (except as required under Legislation). Theft, arson or other criminal acts must be reported to the police. Key loss theft claims require a crime reference number from the police. For Section J (Recovery of Uninsured Losses), the policyholder must tell Atlas about the claim as soon as possible and fully cooperate with the appointed lawyer.
deductible_rules
Standard excess for own damage, fire and theft claims for drivers aged 25+: €50. No excess for third party liability claims for private cars driven by drivers aged 25+. Drivers under 25: €75–€500 excess. The excess for soft top convertible roof damage is 2% of the scheduled Motor Vehicle Value including Accessories or €350 (whichever is higher). The excess may be increased voluntarily to €100 or €200 for a premium discount. If more than one excess applies to a single occurrence, the highest excess applies. Where the third party vehicle driver is uninsured and the policyholder is found entirely not at fault, the excess is refunded and NCD is not affected. The standard own damage excess may optionally be removed for an additional premium (for drivers aged 25+).
Policy specifics
No Claim Discount Protection
Automatic protection of NCD at 65% on the 6th year of private comprehensive cover; can protect 60% (4th year) or 65% (5th year) NCD at nominal charge
Free Courtesy Car
€100 free courtesy car during repairs of private cars; also available while awaiting parts if the car cannot be driven
Excess Refund
Refund of excess and no effect on No Claim Discount when the third party is uninsured and at fault
Road Licence Refund
Refund of unrecovered road licence fee from when the car is written off
EEA Travel Cover
Free 30 days cover during annual policy cover when travelling within EEA, UK, Switzerland, Andorra and San Marino for comprehensive and third party fire and theft cover
Electric Vehicle Battery Damage Cover
Additional benefit for electric private cars: up to €20,000 (or market value, whichever lower) for battery short-circuit damage; up to €1,000 for battery scrapping and decontamination
Market Value Basis (No Agreed Value)
All Maltese motor policies do not cover vehicles on an agreed value; vehicle value must be market value at time of loss
Excess Structure
For private cars: no excess for third party liability claims when driven by drivers aged 25+; €50 standard excess for own damage, fire and theft; €75-€500 for drivers under 25; excess can be increased to €100 or €200 for premium discount
Third Party Liability Limits
Standard limits: €1,300,000 for property damage; €6,450,000 for injuries or death to third parties
Claims Representation and Fault Determination
For comprehensive and third party fire and theft clients: Atlas handles all aspects of claims, provides guidance on fault determination, and may refer complex cases to arbitration or court; client receives legal support throughout the process
Approved Repairer Requirement
Repairers must be included on approved list by Malta Competition and Consumer Affairs Authority